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Documents Required During Axis Bank Personal Loan Application

admin by admin
March 20, 2022
in BUSINESS, Finance
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Documents Required During Axis Bank Personal Loan Application
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Axis Bank offers a personal loan of up to INR 15 Lakh by which you can meet your financial needs. Plus, the bank doesn’t need any assets for the loan. You can apply for an Axis Bank Personal Loan either by visiting the nearest branch office or its official website. Let’s read this article and see what documents you will be needing for Axis Bank Personal Loan.

List of Documents Needed During the Axis Bank Personal Loan Application

The bank will require the following documents for the verification process –

KYC Documents

These documents will include Aadhaar Card, Voter ID Card, etc. It will be used to check your full name and permanent address details. If there is any mistake in the documents and your provided details, your loan application will not be processed further and you will get a rejection email or SMS.

Birth Proof

To confirm your real age, the bank will be needing birth proof such as a birth certificate, school leaving certificate and driving license. Your age should be at least 21 years and not more than 60 years. Because Axis Bank won’t provide personal loans to applicants aged below 21 and those who are near retirement. At both stages, the flow of income can be irregular, hence impeding smooth EMI repayments. And as it is an unsecured loan, Axis Bank won’t take that risk. 

Signature Proof

Submit signature proof such as passport copy, PAN card, passbook, etc. These documents will be utilized to verify the applicant’s identity. All these measures are taken by Axis Bank to keep fraudulent loan applications at bay.

Income Proof

Axis Bank cross check your gross monthly income using the following documents –

  • Pay Slip – The payslip that you receive each month from your employer shows how much take-home income you earn. Axis Bank will be needing two latest payslips to check your income details.
  • Bank Statement – If your salary account is in Axis Bank, you don’t need to show the bank statement. And if you’re not a bank customer, submit the last two months’ bank statements where the credited salary is shown. Using this, the bank knows how much you spend monthly from your salary. Because, if the expenses are high and savings are less, it will be difficult for you to maintain the EMI and income ratio.
  • Employment Proof – You can show the employment proof with the company’s ID card, joining letter, etc. Because Axis Bank provides loans to salaried doctors, the employees of public and private limited companies, the employees of the government sector including Public Sector Undertakings (PSUs), Central and Local bodies. And that’s not enough; the applicant should have a minimum experience of one year in the current organization. You won’t need to submit the employment proof if the date of joining is mentioned in your payslip.

To get an Axis Bank Personal Loan, you need a minimum monthly income of INR 15,000, lower than what most of its competitors seek.

Offline & Online Axis Bank Personal Loan Application Process 

You can apply for a personal loan by visiting the nearest Axis Bank branch office. Ask for a personal loan from the service provider. He or she will hand you an application form, fill in the same and submit it along with the above documents and your passport size photograph.

If you want to apply online for an Axis Bank Personal Loan, visit the official website of the bank and go to its loan section. There you’ll see the ‘Personal Loan’ option, click on it. After that, check the loan details like eligibility or lowest personal loan interest rate and click on the ‘Apply Now’ button. 

An online application form will appear on the screen, enter the details and upload the soft copy of the above-mentioned documents. Now, wait for the bank’s response.

You’ll be notified about the loan approval via SMS or email on registered mobile or email address.

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Tags: axis bank loan calculatoraxis bank personal loanaxis bank personal loan interest rate
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